Financial Planning

Financial Planning helps you define your financial goals and identify the best path toward achieving these. Our objective is to understand your unique circumstances and to become your trusted partner, helping you to navigate the financial aspects of life’s important events.

Our approach is education-centric.

Financial Planning provides you with a dedicated advisor as a sounding board, coach, and accountability partner. Our custom-built worksheets are the primary tools we use to help you visualize the data behind the financial advice.

We are equity compensation specialists. Our team has extensive experience helping clients understand the tax & strategy-related actions for: RSUs, ESPP, stock options (ISO/NSO), IPOs, and other liquidity events.

Your advisor will work with you to develop a personalized investment strategy that aligns with your personal comfort level, time commitment, and investing experience. Enrolling in Wealth Management services is not required as part of the Financial Planning offering.

Who We Help.

We work with individuals and families that place a significant importance on the stock-based component of their compensation. Whether you work in tech, finance, communications, or other industries, our expertise is helping our clients determine how their equity compensation impacts their financial planning, investing strategies, and taxes.

Our products and resources that you receive as a client are centered around this focus. From complex calculators to help you strategize before an IPO, to detailed employer stock diversification strategies, we have you covered.

Within Your First Six Months

Your Advisor will help You

Get solutions to your most pressing questions.
Understand your paycheck and where the dollars go (income, spending, savings, tax withholding, etc.)
Regularly use a spend-tracking system where you can see your monthly spending in 5 minutes.
Understand how budgeting & savings impact your retirement goals so you can make educated financial decisions.
Ensure the money you are earning is being allocated strategically & efficiently (investment allocations, diversification strategy, company equity, etc.)
Get answers for any ad hoc questions related to your finances that fall outside of your quarterly meetings.

You will Benefit From

A dedicated Advisor that serves as your Quarterback — connecting you with other specialists at DiversiFi, or any of our trusted referral partners in real estate, tax, or estate planning.
A Personalized financial model that helps you better understand if you’re on track for retirement, with an annual budget & savings review to make sure you stay on track.
Tax projections on a quarterly and annual basis so that you can avoid surprise tax bills, along with an annual strategic tax review.
Company 401(k) allocation recommendations and help with rebalancing your retirement accounts.
Life Event-driven strategy that provides you with additional support and resources during key life events (home purchase, IPO/SPAC liquidity event, job change, family planning, etc).

Financial Planning Levels & Pricing

Starter: $175/month

Develop healthy financial habits and better understand your stock-based compensation.
Help with foundational life milestones like getting married, buying a home, and starting your career.
Typical Net Worth: $0 - 2MM
Foundational Financial Planning
✔️ Personal Financial Advisor (1-2 yrs experience)
✔️ Financial Planning Workbook
✔️ Financial model
✔️ Annual tax return review
✔️ Tax estimates
✔️ Help with 401(k) rebalancing
✔️ Strategy: Account restructuring and consolidation, stock vesting, budget, savings, investment & tax
Add-On Purchases
Managed Estate Planning: $1,700
Core: $250/month

Focus on diversifying your investments and plan for major life events
Second wave life goals like career changes, home upgrades, investment properties, and having kids.
Typical Net Worth: $2 - $6MM
All the benefits of Starter, and:
✔️ Personal Financial Advisor (4+ yrs experience)
✔️ In-depth employer stock analysis
✔️ Multi-year tax simulations
✔️ Advanced stock compensation strategies (liquidity/public events)
Add-On Purchases
Managed Estate Planning: $1,700
Plus: $450/month

Deploy complex investment & tax strategies with a focus on wealth protection and wealth transfer.
Focus on increased complexities and non-traditional questions that come with a higher net worth.
Typical Net Worth: $6MM+

All the greatness of Core, plus:
✔️ Senior-level Advisor (6+ yrs experience)
✔️ Priority access to invest in DiversiFi Ventures
✔️ Coordinated communications with referrals to save you time (ie: real estate, tax, loans, etc)
Add-On Purchases
Managed Estate Planning : $1,500 ($200 discount)

$500 One-Time Onboarding Fee is part of the up-front cost.

If you enroll in our Wealth Management offering, you may be eligible for a discounted Financial Planning Service.

Get Started

What to Expect

Get Matched

When you join DiversiFi, we match you with a dedicated Advisor who best aligns with your goals & needs. Your Advisor will work closely with you to understand and articulate your desired financial goals and provide you with clear recommendations for achieving results. If your needs change in the future, we can match you with a different Advisor.
Come Onboard

During the Onboarding process, a Client Services Specialist will set you up with your personal Financial Planning Workbook, provide system access, collect critical financial data, and configure recurring billing. Should you choose to enroll in Wealth Management services, this team member will also help you open your accounts and transfer over assets.
Start Meeting

During the first six months, you will have more frequent meetings and interactions with your Advisor as they dive in to get to know you and develop a strategy. You can expect to have your first meeting with your Advisor within two to three weeks of signing up, and after about six months, you can expect to meet with your advisor every quarter.
Get Support

Outside of your quarterly meetings, your Advisor is available via email, phone, or Zoom to answer any questions that may come up in your day-to-day life. We expect that clients preparing for, or experiencing a significant life event (ex: home purchase, IPO, etc.) will have more frequent contact with their Advisor during these times.